Most compliance training teaches the rules. Kim teaches why organisations with the MLRO in place, the written policy on file and the audit committee signed off still failed — built on real enforcement cases across banking, payments and crypto-exchange compliance. Available 24/7. Free to evaluate.
Knowing the definition of Enhanced Due Diligence does not tell you what to do when a plausible explanation is in front of you and something still feels wrong. Most training stops at the definition.
Real enforcement cases repeatedly show the same pattern — an organisation with a written policy, a compliance officer and an audit committee, and no one testing whether it actually worked in practice.
Under the Economic Crime and Corporate Transparency Act 2023, what can be pinned on an individual MLRO or compliance officer is materially different. Generic training rarely covers what actually protects the person in the role.
Kim doesn't open with a definition and quiz you on it. She opens with a real situation — a customer relationship, a settlement pattern, a founder's own words used against them in court — and makes you reason through it before revealing the principle. That is the judgement senior compliance roles actually require.
Whether you are an MLRO protecting your own position, a compliance officer moving into a senior role, or a team leader onboarding into VASP and crypto-exchange risk, Kim adapts to where you are and focuses on the pattern, not just the checklist.
Beyond exam prep: live decision support mid-transaction, NED and audit committee briefings, MLRO handover continuity, bespoke due diligence document generation, and emerging use in insurance and fintech-partnership risk.
Kim works through actual enforcement cases — Wirecard, Greensill, Binance, FTX, BitMEX — not hypothetical scenarios. The reasoning that failed in each case is the reasoning she teaches you to catch.
Wilful blindness and captured oversight repeat across banking, local government, sports governance and crypto exchanges. Kim teaches the underlying pattern, which transfers wherever your career goes next.
Kim explains her reasoning, not just the answer. Ask follow-up questions, challenge her thinking and push into the detail.
Kim requires no registration. No name, email or identifying information is ever collected. Conversations are not stored or retained.
Mid-transaction, mid-onboarding, mid-review: ask Kim about the actual scenario in front of you and get a reasoned view in the moment, not a training memory from six months ago.
Prepare non-executive directors and audit committees for the AML-specific questions they should be asking management, translated out of compliance jargon.
When an MLRO leaves, the organisation's institutional memory of past decisions and known risk areas often leaves with them. Kim gives an incoming MLRO a queryable record to interrogate from day one.
Generate a fully cited, statute-grounded onboarding or vetting questionnaire for a specific customer type or contract on demand, not a generic template.
After a near-miss, run a structured lessons-learned session tied to the closest real enforcement case in Kim's knowledge base.
An underused adjacent vertical: claims fraud typologies, high-value-line underwriter PEP training and reinsurance counterparty due diligence.
Section 151 Officers and procurement staff inside councils and public bodies, where the personal exposure runs through different statute entirely: the Local Government Finance Act 1988, the Procurement Act 2023, the Bribery Act.
Same underlying discipline — real cases, real statute, judgement over memorisation — built around the specific law a council officer is actually exposed to, not a financial-services curriculum with the names changed.
Beyond training: live procurement and treasury decision support, Annual Governance Statement drafting, interim officer handover continuity, and bespoke supplier due diligence questionnaires — built for the exact moments an S151 or procurement officer's exposure is highest.
The personal, non-delegable duty under s114 LGFA 1988 to report unlawful spending — worked through against real collapses like Thurrock, not abstract theory.
Procurement Act 2023 thresholds and aggregation rules, direct-award and lot-splitting red flags, and exactly where the Bribery Act and Fraud Act attach to a named decision.
A real deterministic calculator for checking a broker's loan or option quote against what a council could borrow directly from central government — Reeve narrates the result, never guesses the maths.
Not a shared chatbot with a logo swapped — each council or public body gets infrastructure that belongs to that instance alone.
A council-owned property company that built three homes in eleven years on £200m of borrowed money, an uncompeted £73m arts venue refurbishment, a Section 151 officer who was also the company's own first director, a planning-committee chair married to the cabinet member overseeing the scheme, and the 2000 and 2010 abolitions that removed the two mechanisms that might have stopped it sooner. No criminal charges followed.
Read the ArticleHC 61 — the Commons Science, Innovation and Technology Committee's "Rewiring the state" report — is nominally about Whitehall. Three of its four barriers to digital transformation are council procurement problems in exactly the same shape: vendor lock-in, legacy systems and sovereignty. Covers the £330m NHS Federated Data Platform, the £472m AWS/HMRC sole-bidder contract, and the capital-versus-resource budgeting problem under s114.
Read the ArticleThe companion training piece to the HC 61 briefing — five modules built for direct use in a session with Section 151 and Procurement Officers, with a suggested masterclass structure, a break-clause exercise, and slide-ready figures.
Read the ArticleA small, overlapping cast of lobbying firms, PR agencies, litigation funders and revolving-door officials working to manufacture the appearance of independent consensus — in newsrooms, courts, think tanks and the public procurement decisions that follow. Covers CT Group, the Lodhia litigation-fabrication case, IEA/Templeton Foundation funding opacity, and the Palantir NHS/MOD contracts via Peter Mandelson's undeclared Global Counsel stake. Relevant to both products: a PEP-shaped risk for Kim, a live procurement red-flag case study for Reeve.
Read the ArticleTwenty-six years of AML and tax-compliance recidivism at one bank: a 2000 IRS agreement broken almost immediately and exposed by a whistleblower in 2007 ($780m DPA in 2009), and a 2018 FinCEN finding on FX wire monitoring that recurred, unremediated, into a $125m fine in 2026 — the largest-ever BSA penalty against a broker-dealer. Introduces the reusable "Promise-Practice Gap" framework for any compliance commitment in any firm.
Read the ArticleEach of these organisations had a compliance function on paper. Each report analyses what actually happened, why the controls didn't work in practice, and the pattern every MLRO and compliance officer should learn to recognise before it repeats.
How a commodity trader sold $600 million in worthless nickel cargoes to one of the world's largest trading firms — and concealed the proceeds across four jurisdictions. Eight lessons for AML compliance teams.
How Credit Suisse channelled $10 billion of client money into a supply chain finance firm — ignoring four years of internal warnings, performing no independent credit assessment and allowing a circular funding structure to grow unchecked.
How a convicted fraudster used total return swaps to secretly accumulate $160 billion in leveraged exposure — lying to nine prime brokers, manipulating market prices for a year and triggering one of the fastest destructions of institutional wealth in financial history.
How the UK's most celebrated fund manager suspended £3.7 billion of retail investor savings — gaming UCITS liquidity rules via a Guernsey listing mechanism, while the ACD, regulator and UK's largest retail platform each chose deference over challenge. Zero individual sanctions under SM&CR.
Deep-dive framework papers examining the systemic conditions that allow financial and regulatory misconduct to persist. Written for MLROs, compliance directors and risk professionals.
How sophisticated networks of former officials, advisory firms and corporate clients operate legally below the regulatory waterline — gaming the Lobbying Act, exploiting ACOBA's lack of enforcement, and structuring NHS, MOD and Civil Service contracts to land with the same players every time. Includes a dark examination of redacted government contracts, council technology catastrophes and the lawyers who draft the secrecy in.
How the structural conflicts at the heart of the Big Four audit model, the revolving door advisory market and AI-assisted compliance are converging to eliminate individual accountability — and why plausible deniability can no longer cloak systematic law-breaking. Covers KPMG Australia, the Mandelson/Palantir/OpenAI procurement questions, Purnell/Flint Global/Cinven and the German AI liability rulings of 2026.
Long-form analytical reports examining structural compliance questions at the frontier of market regulation. Written for senior compliance professionals, MLROs and risk directors.
A 17-page compliance masterclass examining the structural risks created when a restricted-float IPO triggers mandatory index buying at extreme valuations — traced from Nortel's collapse at 35% of the TSX 300 to SpaceX's $2.1 trillion listing with a 5% public float. Covers MAR Articles 7, 8 and 12, UCITS concentration limits, the Nasdaq-100 float-scaling methodology, SEC float waiver, FCA COBS obligations, MiFID II conflicts and the accountability vacuum left by fragmented global regulation. Includes 8 training scenarios, an MLRO checklist and analytical guidance on when the structure may engage market manipulation provisions.
Every technical topic a compliance role requires — taught through real cases, not isolated definitions.
Working at payment institutions, EMIs, banks and fintech firms preparing for AML certification for the first time or at renewal.
Money Laundering Reporting Officers who need documentation and judgement that would survive scrutiny — not just regulatory knowledge for its own sake.
Solicitors, accountants and professional advisers subject to AML obligations under the Money Laundering Regulations 2017.
Front-line staff, onboarding teams and risk professionals at regulated firms who need a deeper understanding of AML obligations.
Professionals at payment service providers, e-money institutions and VASPs — with case studies drawn from Binance, FTX and BitMEX, not generic KYC theory.
Organisations that want to white-label or integrate Kim into their own compliance training programmes. Licensing available.
Kim requires no registration and asks for no personal information. No conversation content is retained. Kim records only anonymous session data — your country, your selected role and your study goal — solely to improve the service. No name, email address or identifying information is ever collected. Kim is operated in accordance with UK GDPR and the Data Protection Act 2018. ICO Registration: C1901798.
No account. No credit card. No commitment. Kim is free to use for evaluation. Commercial deployment, white-labelling or integration into your own platform requires a licence from Netizen9.